Philos Health Insurance

offered by Groupe Mutuel

Philos - Premium development

Canton
Age group

Premium calculation is based on a deductible rate of CHF 300 (deductible rate of CHF 0 in case of children) with inclusion of accidents. When selecting a canton, premium region 1 will be displayed. Not all insurances are on offer in every canton. Where a specific insurance is not available, the premium development view will remain empty.

More about Philos


Experiences and questions regarding Philos in our forum

28/10/2011 from Jorge E Echeverri

be aware with your reimbursements in overseas

I have had the worst experience with this insurance, I had a medical urgency, which required hospitalization and surgery in overseas. I handed them all the documents (invoices, payments slips, medical reports, diagnostic images, etc). Firstly, they got lost internally the diagnostic images. Secondly, More

Rating

0
0

0 comments | read 635 time(s)


06/06/2007 from frustrated with Philos

Cancellation

I cancelled my health insurance last year with Philos, however, they continue to send me monthly premium invoices as well as late fee notices for prior months. I have written confirmation from company representatives that my policy has been cancelled but the bills keep coming. I even have a representative More

Rating

1
0

4 comments | read 582 time(s)



Customer satisfaction with Philos

good(5.03)
good(5.09)
Competence and helpfulness of employees
good(4.97)
Statements (clarity, prompt payment, goodwill etc.)
satisfactory(4.76)
Clarity and comprehensibility of customer information
In 2016, comparis.ch conducted a representative survey on customer satisfaction with the Swiss health insurance companies in collaboration with the market research institution, GfK. A total of more than 2400 persons from all linguistic regions of Switzerland were surveyed. They rated the competence and commitment of the insurance employees, their satisfaction with the invoicing process, and the comprehensibility of customer information.
  • Mark 6.0 – 5.5: excellent
  • Mark 5.4 – 5.0: good
  • Mark 4.9 – 4.5: satisfactory
  • Mark 4.4 – 4.0: adequate
  • Mark 3.9 – 1.0: inadequate
All answers from one respondent about a provider are taken to calculate the total rating from the same respondent. A provider's final rating corresponds to the rounded mean value of all these total ratings. The final ratings as given by comparis.ch are based on the Swiss school grading system.

Philos - efficiency of administration

Administrative costs
4.5% of premiums

Collection of data 11/2016

When is a health insurance company efficient?
Health insurance companies are considered efficient
if their administrative costs are less than 4.2% of premiums.

offered by Groupe Mutuel

Philos – company details

Reserves of the health insurer Philos
2014
2015
Number of policyholders
More information
Number of policyholders
Average number of policyholders in the previous year (basic insurance only).
305,408 275,760
Reserves in millions of CHF
More information
Reserves in millions of CHF
Including reserves for optional daily benefits insurance.
142.7 145.7
Minimum reserves in millions of CHF
More information
Minimum reserves in millions of CHF
Since 2012, the minimum amount of reserves has been determined based on a model that takes the insurance companies' individual risks into account (Health Insurance Act (KVG) solvency test, cf. Art. 78ff Health Insurance Ordinance (KVV)). Insurance companies whose reserves are below the minimum amount (solvency ratio < 100%) are subject to the old reserve requirements until 2016.
137.6 131.5
Solvency ratio
More information
Solvency ratio
The solvency ratio indicates the ratio between the existing reserves and the minimum amount.
104.0%
111.0%
comparis.ch displays the supervision data published by the FOPH. comparis.ch does not guarantee the accuracy of the data. Last updated: 26.09.2016

About Philos

Philos Assurance Maladie SA belongs to Groupe Mutuel Holding.

In 2006, the insurance company Philos, from the canton of Vaud, joined Groupe Mutuel. At the beginning of 2011, Philos Assurance Maladie SA was formed out of the following health insurance providers from Groupe Mutuel: Philos, Avantis, Krankenkasse öffentliche Dienste, Caisse maladie Troistorrents, Panorama and EOS.

Benefits covered under basic insurance

The law stipulates which benefits the mandatory basic insurance covers. The benefits are the same with all insurance providers.

Switching to Groupe Mutuel for basic insurance

For the mandatory basic insurance, health insurance providers must accept all applicants irrespective of age, gender or state of health (full freedom to choose one's insurer). However, special attention should still be given to the notice periods.

Products from Groupe Mutuel

In addition to the mandatory basic insurance, Groupe Mutuel offers alternative insurance models. However, these models are not available everywhere in Switzerland. You can find out most easily if they are offered in your place of residence by making a premium comparison.


How to contact Philos

Philos Assurance Maladie SA
Rue de Cèdres 5
1920 Martigny
Tel. 0848 803 111
Fax 0848 803 112
info@groupemutuel.ch


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